Atlantic Union Bankshares Investor Relations Material

Atlantic Union Bankshares Corporation operates as a holding company for Atlantic Union Bank that provides retail and commercial banking services. The company operates in two segments, Banking and Mortgage. It accepts a range of deposits, including checking, savings, money market, term certificate, and retail time deposits. The company also provides residential first mortgage loans and home equity lines of credit; and commercial mortgage loans, commercial real estate loans, business acquisition financing loans, small business administration loans, and equipment financing loans. In addition, it offers wealth management services through a trust department that manage the assets of high net worth individuals; private banking service; cash management services; investment brokerage services through a third-party brokerage provider; and letters of credit issued to secure payment obligations for customers. Further, the company is involved in insurance business as an agent for various property and casualty companies; credit card and ATM network processing activities; development of real estate for investment purposes; leasing space in shopping centers owned by the company or its subsidiaries; mortgage servicing activities for loans held by others; electronic payment network processing activities for financial institutions; national and statewide lending activities to other financial institutions through the bank's participation in various correspondent banking programs such as advances against eligible collateral from other institutions.